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Age-Associated Financial Vulnerability

Feb 02, 2024

Read this blog even though you don’t want to. Especially if you or your parent is over 65 or living alone. Age Associated Financial Vulnerability is a real thing and it affects intelligent, independent people. The Consumer Financial Protection Bureau puts the cost of elder financial exploitation as high as $36 billion a year.

If you are or you know anyone over 65 you know about the exploitation part. Those calls that come many, many times a day and at increasingly unorthodox hours of the day.  Why are older Americans targeted? Because they hold a large percentage of the wealth. Some estimates have the over age 50 population holding as high as 83% of America’s wealth. And as we age, we become more vulnerable. It’s as simple as that.

If you think you are not a likely candidate for fraud, think again. Victims are not who you think they are. They are high functioning seniors and often test as “normal “on cognitive function assessments. It’s complicated. You can check out the report Brains and Losses at marketplace.org. It has to do with changes in our brains as we age. How we process information when we are in emotional states. That includes being angry (at the caller), being scared or just being a nice person. Scammers know how to exploit our emotions.

Bottom line, living alone increases susceptibility because when you are alone you don’t have that close contact to hash over a call or contact you receive. Prevention is the key. If you are living alone, open up to someone you trust. If you have a parent or relative living alone check in on them regularly. Don’t judge. Make yourself available. Ask your parent what they know about scams. Teach your parent how to screen calls. 

Being susceptible does not mean an older person needs to go to a nursing home or lose independence. It does mean both the aging and those who love an older person need to be on their toes, maintain close contact, and have open conversations. 

Some ideas about setting hard and fast lines of defense will follow in a later blog at this site. 

www.amosfamily.com

Thinking No Funeral? Think again.

By Parker Amos • 12 Jul, 2024
Maybe you’ve said it, or thought it? “I don’t need a funeral. You can just bury me in the backyard”.

Jewish Funeral Traditions

By Parker Amos • 10 Jul, 2024
As we begin to learn more about religious practices outside of our own, it is sometimes surprising to find how much different faiths have in common. Mourners of all faiths understand the power of grief and the comfort of community. So, what happens when a person of the Jewish faith dies, and how can a person outside that faith support a friend or neighbor who is grieving?

What is a Celebration of Life?

By Parker Amos • 25 Jun, 2024
Do you have to be rich or famous to have a celebration of life?

How Can We Use Pictures at a Funeral?

09 Jun, 2024

Where are You Now? Three to Six Months After the Death of a Spouse

25 May, 2024

“When I Die, I Just Want You to …”

11 May, 2024
Adult children of parents of a certain age frequently find themselves caught off guard by parents who want to share their do’s and don’ts about their funeral service. It’s just natural to want to share thoughts on one’s final wishes. Most families appreciate the guidance. However, something this important really should be written and on file at the funeral home. Consistency is crucial. A series of “in the moment” comments to various children at different times, almost always leads to each child having at least a slightly different page at a time when they really need to work together. Those off hand missives are very frequently made without consideration of the mourners. Telling children, you don’t want to be viewed after death may mean that a dear granddaughter who lives far away misses out on the opportunity to say “good-bye” in a way that would have helped her. So, before telling your children what you would like for your funeral service consider asking them what they would like to do for you. It’s also for the family that is left behind. Enlisting the help of a funeral director or advance planner is very helpful and not at all difficult. Nearly all funeral homes have dedicated staff to help people plan funerals in advance. Parents and children can come together for the planning meeting and ensure everyone is on the same page. This service is typically provided by the funeral home at no charge and can provide peace of mind for the whole family.  www.amosfamily.com
Two glasses of alcohol with straws on a wooden table.

Make the most of the season by following these simple guidelines

By Tukios Websites • 29 Apr, 2024
The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.
A man is walking past a blue food truck on the side of the road.

Keep in touch with site visitors and boost loyalty

By Tukios Websites • 29 Apr, 2024
There are so many good reasons to communicate with site visitors. Tell them about sales and new products or update them with tips and information.
A woman is drinking a cup of coffee in a park.

Tips for writing great posts that increase your site traffic

By Tukios Websites • 29 Apr, 2024
Write about something you know. If you don’t know much about a specific topic that will interest your readers, invite an expert to write about it.

The Best Insurance Purchase You Will Ever Make

27 Apr, 2024
The storm passes and we are once again caught up in our love/hate relationship with insurance. Typically, we pay and pay and then we pray we don’t ever need to file a claim. No one wants to have their house burn down or blow away. But, it is also hard to write that check every month. Most folks do so because they are afraid not to. However, there is one kind of insurance you will absolutely use. You’ll get more than you paid in, and you don’t have to pay endlessly. Funeral insurance, not to be confused with final expense insurance, is the rare insurance product designed to cover a cost that you absolutely will incur. We all die in the end. So, how does it work? Funeral insurance is sold through your funeral home. The amount of the insurance matches the cost of your funeral in today’s dollars. It can be paid in one payment and you are done. Or, you can pay over three to 20 years and be covered for the whole cost of your funeral while you pay.  It’s easy to find out more. Just call the funeral home and ask to speak to someone in the advance planning department. You will want to set aside one to two hours for your meeting with the advance planner. You will have questions. Remember to ask how funeral insurance is different from final expense insurance.  www.amosfamily.com
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